Provident Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 4.99% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 4.99% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.09% +5.59 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $2.60B | 2,597,334 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $21.48B | 21,481,335 | RCOAA223 |
| Recomputed ratio | 12.09% | numerator / denominator | |
| Filed ratio | 12.09% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.59 pp | $1.20B | capital that could be lost first |
Tier 1 risk-based capital ratio 12.09% +4.09 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $2.60B | 2,597,334 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $21.48B | 21,481,335 | RCOAA223 |
| Recomputed ratio | 12.09% | numerator / denominator | |
| Filed ratio | 12.09% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.09 pp | $878.8M | capital that could be lost first |
Total risk-based capital ratio 12.99% +2.99 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $2.79B | 2,791,147 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $21.48B | 21,481,335 | RCOAA223 |
| Recomputed ratio | 12.99% | numerator / denominator | |
| Filed ratio | 12.99% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +2.99 pp | $643.0M | capital that could be lost first |
Tier 1 leverage ratio 10.53% +5.53 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $2.60B | 2,597,334 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $24.66B | 24,660,811 | RCOAA224 |
| Recomputed ratio | 10.53% | numerator / denominator | |
| Filed ratio | 10.53% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.53 pp | $1.36B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 2,393,978 | 2,391,593 | 2,388,863 | 2,385,564 | 2,383,228 | 2,380,578 | RCOAP742 |
| Retained earnings | 928,250 | 895,574 | 852,888 | 807,597 | 762,531 | 712,776 | RCOAKW00 |
| Accumulated other comprehensive income | (91,933) | (86,423) | (76,182) | (87,242) | (103,770) | (110,246) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 3,230,295 | 3,200,744 | 3,165,569 | 3,105,919 | 3,041,989 | 2,983,108 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (632,961) | (644,630) | (661,033) | (652,599) | (642,702) | (642,857) | P859 - P840 |
| Common equity Tier 1 capital | 2,597,334 | 2,556,114 | 2,504,536 | 2,453,320 | 2,399,287 | 2,340,251 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 2,597,334 | 2,556,114 | 2,504,536 | 2,453,320 | 2,399,287 | 2,340,251 | RCOA8274 |
| Tier 2 capital | 193,813 | 186,395 | 191,631 | 196,995 | 195,354 | 199,491 | RCOA5311 |
| Allowance includable in Tier 2 capital | 193,813 | 186,395 | 191,631 | 196,995 | 195,354 | 199,491 | RCOA5310 |
| Total capital | 2,791,147 | 2,742,509 | 2,696,167 | 2,650,315 | 2,594,641 | 2,539,742 | RCOA3792 |
| Total risk-weighted assets | 21,481,335 | 20,841,358 | 20,616,257 | 20,609,244 | 20,312,292 | 20,121,523 | RCOAA223 |
| Average total assets for the leverage ratio | 24,660,811 | 24,358,282 | 24,125,424 | 23,894,302 | 23,712,485 | 23,442,191 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $228.3M | $25.8M | 11.31% | 0.12% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $3.52B | $632.5M | 17.96% | 2.94% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $85.0M | $85.0M | 100.00% | 0.40% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $6.52B | $4.62B | 70.88% | 21.50% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $85.0M | $127.5M | 150.00% | 0.59% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $127.5M | $191.2M | 150.00% | 0.89% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $13.32B | $13.30B | 99.84% | 61.92% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.11B | $1.01B | 90.41% | 4.68% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.26B | $1.20B | 94.96% | 5.58% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $152.9M | $152.9M | 100.00% | 0.71% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $140.7M | NA | 0.66% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $21.34B | ties to item 31 ($21.34B) |
|---|---|---|
| Risk-weighted assets before deductions | $21.48B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $21.48B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.09% | 12.09% | 12.99% | 10.53% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 12.26% | 12.26% | 13.16% | 10.49% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 12.15% | 12.15% | 13.08% | 10.38% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 11.90% | 11.90% | 12.86% | 10.27% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 11.81% | 11.81% | 12.77% | 10.12% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 11.63% | 11.63% | 12.62% | 9.98% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 11.45% | 11.45% | 12.42% | 9.72% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 11.51% | 11.51% | 12.46% | 9.70% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 10.81% | 10.81% | 11.72% | 9.36% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 11.50% | 11.50% | 12.36% | 9.90% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 11.12% | 11.12% | 11.95% | 9.69% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 11.13% | 11.13% | 11.98% | 9.71% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Provident Bank (this bank) | Risk-based | 12.09% | 12.09% | 12.99% | 10.53% | |
| First Interstate Bank | $25.79B | Risk-based | 14.32% | 14.32% | 15.46% | 9.42% |
| Ameriprise Bank, FSB | $25.48B | Risk-based | 30.38% | 30.38% | 30.57% | 7.38% |
| Rockland Trust Company | $24.97B | Risk-based | 14.86% | 14.86% | 15.85% | 11.83% |
| Customers Bank | $26.50B | Risk-based | 13.55% | 13.55% | 14.53% | 9.34% |
| Simmons Bank | $24.73B | Risk-based | 10.44% | 10.44% | 11.69% | 9.18% |
| Charles Schwab Premier Bank, SSB | $26.58B | Risk-based | 49.32% | 49.32% | 49.32% | 10.90% |
| Cathay Bank | $24.64B | Risk-based | 13.98% | 13.98% | 15.16% | 11.52% |
| Centennial Bank | $24.55B | Risk-based | 14.83% | 14.83% | 16.09% | 12.61% |
| Renasant Bank | $26.99B | Risk-based | 12.41% | 12.41% | 13.67% | 10.72% |
| TriState Capital Bank | $24.26B | Risk-based | 18.45% | 18.45% | 19.10% | 7.41% |
| Peer 25th percentile | 13.66% | 13.66% | 14.69% | 9.22% | ||
| Peer median | 14.57% | 14.57% | 15.66% | 10.07% | ||
| Peer 75th percentile | 17.55% | 17.55% | 18.34% | 11.36% | ||
| This bank's percentile | 10 | 10 | 10 | 50 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/204004/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.